Consent to the Collection and Processing of Personal Data
By filling out forms on the mizanfinance.kz website, I hereby give my consent to Mizan Islamic Finance Ltd (hereinafter referred to as the “Company”) for the collection, storage, processing, and use of my personal and biometric data for the purposes defined in the Privacy Policy and this document, including transfer to authorized counterparties (within the framework of applicable legislation and data protection agreements).
Contact for inquiries: berik_oteuli@mizanfinance.kz
Privacy and Personal Data Processing Policy
This Policy is an official document of Mizan Islamic Finance Ltd, an Islamic financial company operating in accordance with the laws of the Astana International Financial Centre (AIFC).
AIFC License No. 25064900544, issued on 16.07.2025.
This Policy defines the procedure for the collection, storage, processing, and transfer of personal and biometric data of users of the https://mizanfinance.kz website (hereinafter referred to as the “User”).
This Policy is developed in accordance with:
– the Law of the Republic of Kazakhstan “On Personal Data and Their Protection”;
– AIFC Data Protection Regulations;
– Apple App Store Review Guidelines;
– Google Play User Data Policy / Data Safety requirements;
– Sharia principles (amanah, justice, protection of the individual).
The User accepts the terms of this Policy by checking the box “I have read and agree,” without which registration is not possible.
Contact for inquiries: berik_oteuli@mizanfinance.kz
1. Terms and Definitions
1.1. Company — Mizan Islamic Finance Ltd.
1.2. User — an individual using the mizanfinance.kz website.
1.3. Personal Data — any information that identifies the User (full name, IIN, contact details, documents, device data).
1.4. Biometric Data — unique facial data, including photo, video, face templates (face embedding), and liveness data.
1.5. Identification — establishing identity using biometrics.
1.6. Authentication — confirming a previously identified person.
1.7. Verification — checking data through governmental and/or authorized sources.
1.8. Processors — partners involved in data processing (PKB, BTS Digital, Firebase, etc.) under data protection agreements.
1.9. Processing — any action: collection, recording, storage, transfer, deletion.
1.10. Anonymization — irreversible removal of links between data and a specific individual.
1.11. Pseudonymization — processing with separation of data and keys.
1.12. Withdrawal of consent — termination of data processing, except where required by law.
1.13. Cross-border transfer — transfer of data to another country when a legal basis exists.
2. Categories of Collected Data
2.1. Data Linked to You
— Identity: full name, IIN, date of birth.
— Contact Info: phone number, e-mail, residential address.
— Identifiers: device identifier, IP address, application ID.
— Financial Info: applications, contracts, installment statuses, outstanding amounts.
— Sensitive Data: biometrics (face photo/video, templates, liveness data).
— User Content: ID photos/videos, document scans.
— Usage Data: information about actions on the website.
— Diagnostics: technical errors.
2.2. Data Not Linked to You
— Anonymized usage statistics.
— Aggregated performance metrics.
2.3. Not Used for Tracking
The website does not perform tracking.
Data is not used for advertising, marketing targeting, or cross-site tracking.
3. Purposes of Data Processing
Data is processed exclusively for:
– registration and account management;
– identification and video verification (KYC/AML);
– contract execution and signing;
– processing applications for halal financing;
– providing financing services;
– sending notifications about application and contract statuses;
– fraud prevention;
– compliance with legal and regulatory requirements;
– service improvement and technical support.
4. Principles of Data Processing
The Company follows these principles:
– legality and fairness;
– transparency;
– data minimization;
– strict purpose limitation;
– confidentiality and encryption;
– non-discrimination;
– compliance with Sharia (amanah — trust);
– audit and accountability.